Pricing Analyst

Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017, we’ve helped over 7.5 million customers access over $42 billion in consumer credit. With a relentless focus on improving our customers' financial well-being, we build products that put more money in their pocket and support their journey toward a better financial future. We’re backed by some of the most prominent technology investors and were most recently valued at $7.3B.

We’re consistently recognized for our collaborative and inclusive culture. Most recently, we were named one of the World’s Top Fintech Companies by CNBC, Best Places to Work by Built In, Best Places to Work by the San Francisco Business Times, America’s Greatest Workplaces by Newsweek, Best Startup Employer by Forbes, and Healthiest Employers by Phoenix Business Journal.

We’re looking for new team members who get excited about designing and delivering new and better products. Come join us and help build a better financial future for millions of people.

About the Role:

We're looking for a Pricing Analyst and help us shape the future of Upgrade and Buy Now, Pay Later. This is a high-impact role based in our San Francisco office, where you'll directly drive the growth of Flex Pay, our innovative BNPL (Buy Now, Pay Later) product. If you're a curious, metrics-driven finance professional with 4+ years of experience and a strong interest in the fintech and BNPL space, this is your chance to make a significant impact at a fast-growing company.

This is a hybrid role in our San Francisco office in a hybrid capacity.

What You’ll Do:

• Take over day-to-day pricing operations, which includes pricing deals, assisting with financial modeling, and implementing a new layer of control for approval workflows.

• Automate reporting and analysis using AI and cloud technologies to create faster and more efficient financial processes.

• Develop and manage comprehensive financial models, forecasts, and dashboards to support strategic decision-making and product planning for our Flex Pay product.

• Dive into revenue, expense, and operational data to deliver actionable insights that uncover opportunities for growth and cost optimization.

• Work directly with product, marketing, engineering, and other teams to assess the financial impact of new initiatives and product launches.

• Prepare and present critical financial reports, including variance analysis and KPI tracking, to key stakeholders and leadership.

• Take ownership of ad hoc projects and new business opportunities, creating financial models and processes from scratch.

What We Look For:

• 4+ years of experience in a fast-paced environment like fintech, financial services, or a similar field. You have a solid foundation in financial modeling, forecasting, and analysis.

• Passion and interest in FinTech and the BNPL landscape.

• Strong SQL skills are a must. Experience with data visualization tools like Tableau is a plus. Experience with FP&A software like Pigment is preferred.

• Advanced data coding skills (such as Python) and experience leveraging cloud technologies are highly preferred to assist with team automation goals

• Proactive self-starter who thrives on solving complex problems. You have a natural curiosity and an eye for detail, and you're not afraid to challenge the status quo.

• You can translate complex financial concepts into clear, concise insights for both technical and non-technical audiences.

What We Offer You:

• Competitive salary and stock option plan

• 100% paid coverage of medical, dental and vision insurance

• Flexible PTO

• Competitive 401(k) and RRSP program

• Opportunities for professional growth and development

• Paid parental leave

• Health & wellness initiatives

The compensation range of this position in San Francisco, CA is USD $90,000-$110,000 annually plus equity and benefits. Within this range, an individual's base pay will be dependent on a variety of factors, including without limitation, job-related knowledge, skills, education, and experience.

#BI-Hybrid #LI-Hybrid

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We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

Upgrade does not accept unsolicited resumes from staffing agencies, search firms, or any third parties. Any resume submitted to any employee of Upgrade without a prior written agreement in place will be considered the property of Upgrade, and Upgrade will not be obligated to pay any referral or placement fee. Agencies must obtain advance written approval from Upgrade's Talent Acquisition department to submit resumes and only in conjunction with a valid, fully executed agreement. English is required for all positions, as it involves interacting with staff at Upgrade's offices worldwide.